SecureInvest

Choice of Portfolio Management Strategies

1. Systematic Transfer Option (STO)

Reduces risks associated with lumpsum investing by investing in the equity market in a systematic manner. Entire Premium will be invested in the Liquid Fund and then systematically transferred on a monthly basis into an Equity Fund.

2. Return Protector Option (RPO)

Protects investment gains from future market volatility. Automatic transfer of investment gains from Equity Fund to Debt Fund.

3. Auto Funds Rebalancing (AFR)

Helps in maintaining investments in a specific proportion across different Unit Linked Funds, irrespective of market movements. After every 3 months, the investments are automatically rebalanced in in various Unit Linked Funds to the allocation proportions chosen by you.

4. Safety Switch Option (SSO)

The funds are systematically moved to a relatively low risk Liquid Fund in the last four policy years to avoid market movements and safeguard the funds near policy maturity.

5. Loss Protector Strategy (LPO)

Protect investments in case of a market down turn. In case of a downturn in market investment is transferred from high risk to low risk funds, thus reducing the risk.

Choose from a range of 12 Unit Linked Funds to cater to your investment needs. You can choose to allocate your Premiums to any, all or a combination of the Unit Linked Funds as per your risk preference.

• Emerging Leaders Equity Fund
• India Multi-Cap Equity Fund
• Equity II Fund
• Growth Plus Fund
• Balanced Plus Fund
• Large Cap Advantage Fund
• Debt Fund
• Liquid Fund
• Midcap Momentum Growth Index Fund
• India Manufacturing Fund
• Multicap Momentum Quality Index Fund
• Nifty Alpha 50 Index Fund

Additions to the Fund

Loyalty additions

• 2X of Premium Allocation Charge deducted are returned at Maturity provided all due premiums have been received till the maturity date,
• The amount payable under the Return of Premium Allocation Charge feature shall exclude Goods and Service Tax and applicable cess (es), if any, that have been deducted with respect to Premium Allocation Charges.
• The amount of Return of Premium Allocation Charge will be added in the same proportion as the value of the total units held in the unit-linked funds. Unit Price as on the date of Return of Premium Allocation will be used for the unitization

Maturity Booster

In addition to the Loyalty Additions, this plan offers Maturity Boosters at policy maturity as per the table below which will be added to the fund as a percentage of Average Fund Value of last 60 monthly policy anniversaries, provided all the due premiums are received till that time.

Return of Mortality Charges

Starting from the 15th policy year (i.e. 169th month), at the beginning of each policy month till the end of policy term or 30th Policy year, whichever is earlier , double (2X) of mortality charges deducted from the policy in the 168th month prior to the policy month, will be added back to fund value, provided all due premiums have been received till that time.

Return of Premium Allocation Charges

2X of Premium Allocation Charge deducted are returned at Maturity provided all due premiums have been received till the maturity date,

• The amount payable under the Return of Premium Allocation Charge feature shall exclude Goods and Service Tax and applicable cess (es), if any, that have been deducted with respect to Premium Allocation Charges.
• The amount of Return of Premium Allocation Charge will be added in the same proportion as the value of total units held in the unit linked funds. Unit Price as on the date of Return of Premium Allocation will be used for the unitization.

Product Flexibilities

1. Settlement Option

Option to receive your maturity benefit through Settlement Option in installments as per the frequency chosen, over a maximum period of 5 years.

2. Premium Redirection

This facility allows the Policyholder to modify the allocation of future premiums into the unit linked funds in a different investment pattern from the option exercised previously by the Policyholder.

3. Switching

Switching allows the Policyholder to change the investment pattern during the Policy Term/Settlement Period by moving amounts invested in one fund to other fund(s) that are offered under this product.

4. Partial Withdrawals

This product allows the Policyholder to make partial withdrawals from 6th policy year onwards free of charge provided all due Premiums for first 5 policy years have been paid.